I am considering declaring myself bankrupt. Currently in an IVA which is proving to be not the right decision!! All of my debt was from a previous address but the IVA was done at my present address which happens to be a family member. Just want to know if i go BR, how, if at all, this may affect them? Have heard of a letter of dis association?! Also, i pay rent & contribute to all household bills but none of this is in writing. Will the OR require proof of this? If so, will a signed letter do the trick?